If you need a loan, the bank must first determine your character and credit, the purpose of the loan, the purpose of the loan and your repayment ability, the value and liquidity of the collateral. After knowing your first repayment source (salary income, operating income and other income) and evaluating your second repayment source (collateral), I will grant you a loan line.

The process is as follows: the borrower applies-the bank accepts the preliminary examination of the materials provided by the borrower-the loan officer investigates the credit-the loan is approved-the contract is signed-the loan is issued.